Retirement wishes for co-workers. Huge congratulations on a job well done—for so many years! Thanks for sharing your expertise, wisdom and sense of humor with all of us.

The simple answer is if you are still saving at the rate you were when you were making $50,000 a year and now you are making $300,000 a year, it seems obvious what the issue is.

Best wishes for a happy and financially secure retirement! Dottie Bourlier, CFP®, is a financial planner at Focus Partners Wealth in Indian Harbour Beach. Contact her at 321-428-4555 or dottie ...

Your article about the cognitive challenges of retirement struck a chord with me. I retired seven years ago at 70½ without due consideration of what comes next. I should have been forewarned.